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3 Keys Lending

Save Thousands on Your Orem Mortgage

Work directly with your local expert at 3 Keys Lending.

(801) 319-3502
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Local & Trusted

Expert mortgage advice in Orem, UT.

Best Rates

We shop multiple lenders to save you money.

Fast Closing

Streamlined process to fund your loan quickly.

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About us

About 3 Keys Lending

Hi, I’m Todd, and my mission is to help you get the absolute best mortgage. We teach our clients the ‘3 Keys’ to getting the lowest rates and fees, whether you’re buying your first home or refinancing. We are dedicated to providing fast, transparent, and personalized service to the South Jordan community.

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Loan Programs We Offer

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Residential Mortgage Lending

Your key to a new home. We offer a wide range of residential mortgage solutions (Conventional, FHA, VA) tailored to your unique financial situation.

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Refinance Real Estate Purchase

Unlock your home's equity or secure a better rate. We make refinancing your property simple, fast, and effective.

Young couple celebrates buying their first house with keys in hand and a sold sign.
First Time Home Buyer

Stepping into your first home is a big deal. We'll guide you through the process, explain your options, and find the right loan to get you started.

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Real Estate Investor

Grow your portfolio with smart financing. We provide specialized loan programs and fast funding for new and seasoned real estate investors.

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Cash-Out Refinance

Take advantage of your home's equity. A cash-out refinance puts money in your pocket for home improvements, debt consolidation, or other large expenses.

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Fast & Easy Pre-Approvals

Find out how much home you can afford. We offer a quick and easy pre-approval process so you can shop with confidence.

Why Choose 3 Keys Lending?

Local Orem Expertise

As a Orem, UT-based lender, we have deep, first-hand knowledge of the local real estate market.

Personalized Service

You're not just a loan number. Todd provides one-on-one consultation to find the perfect mortgage for your specific goals.

Transparent & Honest

We believe in total transparency. The '3 Keys' to our service are honesty, integrity, and clear communication from start to finish.

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Our Gallery

Beautiful colonial-style house with a wooden fence and lush greenery under a bright blue sky.
Close-up of a real estate agent handing over a house key to a client inside a new home.
Rustic red house amidst lush greenery in Håverud, Sweden captured during summer.
A beautiful suburban house surrounded by trees and lush greenery, perfect for families.
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Crop unrecognizable coworkers in formal wear standing at table with laptop and documents while greeting each other before meeting
Mortgage broker and client discussing loan application with documents on table.
A couple choosing tiles in a modern kitchen setting, discussing renovation ideas.
A diverse group of architects and a real estate agent examine a modern building, focusing on large glass windows.
Todd-HeadShot.
A family celebrates receiving keys to their new home from a real estate agent.
A couple examines real estate documents indoors with focus on writing and discussion.
Young couple celebrates buying their first house with keys in hand and a sold sign.

What Our Clients Say

We are proud of our reputation for excellent service. See our reviews on these platforms.

our google business profile reviews
5 star reviews on yelp
our BBB rating is A+

Frequently Asked Questions

We handle a wide variety of mortgage needs. Our specialties include Residential Mortgage Lending, Refinance Real Estate Purchases, First Time Home Buyer programs, and financing for Real Estate Investors.

As a local mortgage expert, Todd provides personalized, one-on-one service. We shop multiple lenders to find you the absolute best rates, not just the single rate a big bank offers. This saves you money and, with our streamlined process, often closes your loan much faster.

We are based in and primarily serve Orem, UT and the surrounding communities. We have deep, local knowledge of the Utah real estate market.

Absolutely! We love working with first-time buyers. We will guide you through every step, from getting pre-approved to understanding your loan options, ensuring you feel confident and informed at closing.

It’s simple! You can either call Todd directly at (801) 319-3502 or fill out the contact form on our website. We’ll start with a free, no-obligation consultation to discuss your goals.

Email Us

todd@3keyslending.com

Call Us

(801) 319-3502

Address

Orem, UT



    3 Keys Lending​

    Your trusted local mortgage lender in South Jordan, Utah. we are dedicated to finding you the best rates for your home purchase or refinance.

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    Contacts

    (801) 319-3502

    todd@3keyslending.com

    Twin Falls, ID